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Citi Rewards Credit Card
Annual Fees
1000
Add to Compare
Percentage Savings range
0.25 - 4%%
Ideal for use in Departmental stores
Reward Type
Reward Points
Welcome Benefits
Upto 2500 Points *
Minimum Income
4.8L
Lounge Access
Not Available
Rewards
Core Rewards :
- 7.5% RP 10x Reward Points on departmental stores max 500 RPs per month
- 0.75% RP 1 Reward Points per Rs. 125 spent
- Bonus 300 bonus Reward Points on monthly spend of Rs. 30,000
Milestone Rewards :
- Monthly : Receive 300 bonus Reward Points upon spending a minimum of Rs. 30,000 per month.
- Quaterly : N/A
- Annual : N/A
No rewards on spends : Fuel, Educational institutions, Government institutions, Insurance, Toll Payments, and Utility Bills.
Rewards Redemption
How to Redeem :
- Cashback in form of Statement Credit
Redemption options : Fuel, Cashback, Travel, Airmiles
Redemption fee : NIL
Transfer partners :
- Intermiles
- Air India Flying Returns
Complementary Benefits
Lounge access :
- Domestic Lounge : N/A
- International Lounge : N/A
- Railway Lounge : N/A
Insurance Benefits :
- Lost card liability : Upto Credit Limit
- Personal accidental insurance : N/A
- Air accidental insurance : N/A
Other Benefits :
- Lounge Membership : N/A
- Memberships Available With Cards : N/A
- Spa Benefits : N/A
Golf Benefits :
- Lessons : N/A
- Games : N/A
Fees
Joining fees : 1000
Annual fees : 1000
Welcome Benefits : The credit card offers a welcome gift of up to 2,500 Reward Points, which includes 1,500 Reward Points upon completing the first transaction within 30 days and an additional 1,000 Reward Points after making a transaction of Rs. 1,000 or more within the first 60 days.
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.50%
Fee reversal criteria : Spend Rs. 30,000 in a year
Eligibility
Minimum age : 21
Minimum ITR : 4.8L
Minimum Salary : 25000
Citi Rewards Credit Card Welcome Benefits
- Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your SBI Elite Credit Card.
- Explore premium choices in travel, clothing, footwear, and shopping.
- Your gateway to luxury and rewards begins with this exclusive welcome offer.
Citi Rewards Credit Card Reward Points/Cashback
The Citi Rewards Credit Card offers:
- Movie and dining benefits with free movie tickets and dining discounts.
- Reward rate of 2.5% on groceries, dining, movies, and department store spending.
- Redemption options for gift vouchers or statement balance.
- Complimentary travel memberships and airport lounge access.
- Golf privileges and insurance coverage.
- Core rewards of 4% on transactions, 5X points on select categories, and 2% on other spends.
- Milestone rewards on annual spending.
- No rewards on wallet transactions.
Citi Rewards Credit Card Reward Point Redemption
You can easily redeem your reward points with the Citi Rewards Credit Card:
- Redemption Options: You can use your reward points for gift vouchers and statement cash.
- Redemption Fee: There is no fee for redeeming your points.
- Transfer Partners: The card does not offer any transfer partners.
- Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.
Pros of Citi Rewards Credit Card
- Attractive welcome benefits worth Rs. 5,000.
- Access to domestic and international airport lounges.
- Competitive reward rates on dining, groceries, and department store expenses.
- Lucrative milestone rewards for high spenders.
- Enjoy two complimentary movie tickets each month.
Cons of Citi Rewards Credit Card
- Limited travel benefits, no lounge access.
- Monthly bonus points require a high minimum spend.
- Cap on department store rewards.
- Limited redemption options.
- Annual fee applies.
- Foreign currency markup fee.
- No travel or lounge insurance.
- No rewards for specific expenses like fuel or insurance payments.
Citi Rewards Credit Card Benefits
- Welcome Benefits: 1,500 bonus Reward Points on the first transaction.
- Additional 1,000 bonus Reward Points for a Rs. 1,000 transaction within 60 days.
- Milestone Benefits: 300 bonus Reward Points for monthly spends of Rs. 30,000.
- Joining and Renewal Fee Waiver: Spend Rs. 30,000 to waive the Rs. 1,000 annual fee.
- Fuel Surcharge Waiver: 1% off at authorized Indian Oil outlets on transactions above Rs. 10.
- No lounge access, insurance benefits, or international lounge access.
Citi Rewards Credit Card Charges and Fee
- Joining Fees: Rs. 1,000
- Annual Fees: Rs. 1,000
- Welcome Benefits: Up to 2,500 Reward Points
- Quarterly Benefits: Not Applicable
- Annual Benefits: Not Applicable
- Forex Markup Charges: 3.50%
- Fee Reversal Criteria: Spend Rs. 30,000 in a year to get the renewal fee waived.
- Spend-Based Waiver: Annual fee waiver on spending Rs. 30,000 or more in the previous year.
- Rewards Redemption Fee: None
- Foreign Currency Markup: 3.5% on all foreign currency transactions.
- Interest Rate: 3.75% per month (45% per annum)
- Fuel Surcharge: 1% fuel surcharge waived at Indian Oil outlets for a minimum transaction of Rs. 10.
- Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500 (whichever is higher)
Add-on Card Fee: Nil